TransitLink

FAQ for Contactless Bank Cards

SimplyGo (formerly ABT)
  1. What is SimplyGo (previous working name “Account-Based Ticketing (ABT) System”)? What does SimplyGo mean? What are the benefits of SimplyGo?

    ‘SimplyGo’ brings more ease and convenience to commuters by widening the range of e-payment options in transit. A blend of the words ‘simply’ with ‘go’ aptly describe ABT function and traits. With SimplyGo, commuters can choose to use their contactless bank cards, or Mastercard and Visa cards added to their mobile wallet# for fare payment, thereby eliminating the need for top-ups. Similar to any contactless bank card purchase, commuters simply take the card out of wallet, tap and go. Bus and train transactions will be processed, accumulated and charged to the credit or debit card.

    Furthermore, commuters can enjoy added convenience by signing up for a SimplyGo account and register their travel cards, to have access to their travel history and transactions via the TransitLink SimplyGo Portal or TL SimplyGo mobile app, anytime, anywhere, regardless of the card they choose to use for transit.

    #Apple Pay, Fitbit Pay, Google Pay and Samsung Pay.
  2. What type of cards can be used for SimplyGo?

    All Mastercard#, NETS% and Visa^ contactless bank cards, including foreign-issued cards*, with the EMVCo Contactless Indicator, will be accepted in public transit.

    #Maestro and Cirrus branded debit cards are not accepted in public transit
    %NETSPay is not accepted in public transit
    ^Some Visa contactless cards need to be updated to be compatible with SimplyGo. Affected cardholders will be notified by their banks
    *Administrative and overseas transaction fees will apply


    EMVCo Contactless Indicator
  3. Do I need to sign up for a SimplyGo account to use my contactless bank card for transit?

    You can use your contactless bank cards or Mastercard and Visa cards added to the mobile wallet immediately* for fare payments.

    To enjoy added convenience of accessing your travel history and transactions anytime, anywhere, please sign up for a SimplyGo account via the TransitLink SimplyGo Portal or TL SimplyGo mobile app and register the card(s) that you wish to use for transit payment.

    To ensure that travel fares are charged only to the travel card which you intend to use, please take out that particular card from your bag or wallet when tapping on the fare reader, so that only that designated travel card is charged.

    * If you are currently using the EZ-Link or NETS FlashPay functionality of a contactless bank card, please switch the payment mode of your card to contactless payment at the General Ticketing Machines located at all MRT and LRT stations before starting your travel, in order to use it for fare payment.
  4. Why introduce the SimplyGo?

    SimplyGo enables commuters to use contactless bank cards as their travel card on public transport, removing the need to carry a separate travel card or make any upfront top-ups before travelling. Commuters can easily keep track of their travel expenditure and history by registering for an account on the TransitLink SimplyGo Portal, available online and via the TL SimplyGo mobile app.

    Commuters without contactless bank cards will soon be able to enjoy the benefits of SimplyGo, by upgrading their existing travel cards (i.e. ez-link or Concession Cards).
SimplyGo Account
  1. How do I register for a SimplyGo account?

    You may visit the TransitLink SimplyGo Portal or download the TL SimplyGo mobile app to register for a SimplyGo account. You will be required to create a password to login to your account.

    Please login to your account and go to “My Cards” page to add your contactless bank card. For Singtel Dash users, please key in your 16-digit Transit Card Number found in the “Train/Bus” tab of the app.
  2. What if I forget my password for my SimplyGo account?

    A password self-reset feature is available in the login page of the TransitLink SimplyGo Portal or TL SimplyGo mobile app for you to reset your password.
  3. What are the benefits of having a SimplyGo account?

    Commuters using SimplyGo can register for a SimplyGo account and link different contactless bank cards (i.e. Mastercard, NETS and Visa) and stored value cards (i.e. Concession Cards, EZ-Link or NETS FlashPay cards) on the TransitLink SimplyGo Portal and via the TL SimplyGo mobile app.

    With a SimplyGo account, commuters can enjoy the convenience of viewing their travel expenditure and history on-the-go. Registered users of contactless bank cards can also opt to receive push notifications for travel fares and claim approvals using the TL SimplyGo mobile app on their smartphones. Other services include submitting travel claims and viewing of claim status, as well as making payment for penalty fees.

    Commuters can access their SimplyGo account at the TransitLink SimplyGo Portal or via the TL SimplyGo mobile app which will also offer concession card-related services and transit information. More services will be rolled out progressively on the portal based on commuter needs.
  4. How do I view my transaction history?

    You may visit the “My Statements” page in your SimplyGo account on the TransitLink SimplyGo Portal or via the TL SimplyGo mobile app to view the travel transactions and fares charged to your card(s).

    Transaction information includes trip and journey information, transit fares and payment posting history. This information can be downloaded into PDF statements.
Bank Card Usage – Contactless Bank Cards with EZ-Link/NETS FlashPay Functionality
  1. What is the difference between using contactless bank cards under SimplyGo and the contactless credit/debit cards with EZ-Link or NETS FlashPay functionality?

    Commuters who currently use contactless bank cards with EZ-Link or NETS FlashPay functionality require upfront top-ups. With the launch of SimplyGo with Mastercard, NETS and Visa contactless bank cards, such top-ups are no longer necessary, and commuters are able to use their contactless bank cards for fare payments directly, subject to the availability of credit/funds in their card/bank account. The transactions will be processed, accumulated and charged to their credit /debit card or deducted from their bank account, as with any other contactless bank card purchase.

    To find out if your bank card has an EZ-Link or NETS FlashPay functionality, turn to the back of your card and look for the CEPAS logo. If it exists, the card has EZ-Link/NETS FlashPay functionality.



    To use SimplyGo with these cards, you can switch the payment mode of your card to contactless payment at the General Ticketing Machines (GTMs) located at all MRT and LRT stations.
  2. How do I enable my contactless bank card for transit if my card comes with EZ-Link or NETS FlashPay functionality?

    Under SimplyGo, commuters holding contactless bank cards without EZ-LINK and NETS FlashPay functionality can use these cards for transit payment directly.

    For contactless bank cards that come with EZ-Link or NETS FlashPay functionality, the EZ-Link or NETS FlashPay function will be the default payment mode for transit. You will need to visit the General Ticketing Machines at any train station to switch to contactless payment mode.

    Selecting “Check Transit Payment Mode”

  3. How do I switch the payment mode of my contactless bank card back to EZ-Link or NETS FlashPay functionality?

    You will need to visit the General Ticketing Machines at any train station to switch back to EZ-Link or NETS Flashpay payment mode.

    Selecting “Check Transit Payment Mode”

  4. What should I do if I am unable to switch my contactless bank card with EZ-Link or NETS FlashPay functionality to contactless payment mode?

    If you are unable to switch the payment mode of your contactless bank card with EZ-Link or NETS FlashPay functionality, please contact your Issuing bank for further assistance.
  5. What will happen to the remaining stored value in the EZ-Link or NETS FlashPay purse of my contactless bank card after I have switched the payment mode?

    The remaining stored value will remain in the EZ-Link or NETS FlashPay wallet, and can be used for retail purchases. You can also choose to refund the remaining stored value at any TransitLink Ticket Office. Before proceeding to TransitLink Ticket Office to refund your remaining stored value, you will need to visit a General Ticketing Machine (available at all MRT stations) to switch to contactless bank card payment mode for transit usage. Please note that you will not be able to switch the transit payment mode (including switching to bank card payment mode) after the refund is done.

    Upon refund, you will not be able to use the EZ-Link or NETS FlashPay functionality. This includes switching the payment mode of your contactless bank card back to EZ-Link or NETS FlashPay functionality or vice versa, topping up your EZ-Link or NETS FlashPay purse, or using the EZ-Link or NETS FlashPay for retail purchases.
  6. Can I still use the EZ-Link or NETS FlashPay functionality on my card for retail purchases after switching to contactless bank payment mode for transit?

    You can still use your EZ-Link or NETS FlashPay functionality on your contactless bank card for retail purchases, provided you have not done a refund of the remaining value in the EZ-Link or NETS FlashPay purse.
  7. How do I remove my contactless bank card from the TransitLink SimplyGo Portal?

    You are able to remove a card previously registered to your SimplyGo account from the “My Cards” page on the TransitLink SimplyGo Portal or TL SimplyGo mobile app. Once the selected card is removed, all the existing and future transaction and travel history of the card cannot be viewed from the portal.

    Do note that removing your card from your SimplyGo account does not automatically switch the default payment mode of your card to EZ-Link/NETS FlashPay function for transit. You will need to make the switch at the General Ticketing Machines located at MRT and LRT stations, and provided you had not done a refund of the remaining value in the purse.
Card Usage – Contactless Bank Cards
  1. How do I use my contactless bank card for transit?

    Please take out your contactless bank card from your bag or wallet and tap on the fare reader at the train gantry or on the bus at the points of boarding and alighting. The fare reader will display “Bank Card Usage”.

    To view your journey and fare history, you are encouraged go through the TransitLink SimplyGo Portal or TL SimplyGo mobile app.
  2. What should I do if I lose my contactless bank card?

    If you lose your bank card, please call your Issuing Bank immediately to report loss and prevent misuse.
  3. Can I de-activate my contactless bank card for transit?

    There is currently no functionality to de-activate your contactless bank card for transit.

    To ensure that travel fares are charged to the travel card you intend to use (e.g. Mastercard, Visa, NETS, EZ-Link, NETS FlashPay or Concession Card), please take out that particular card from your bag or wallet so that you tap only one travel card (e.g. Mastercard, Visa, NETS, EZ-Link, NETS FlashPay or Concession Card) when using the transit system.
  4. Can I use my contactless bank card for transit if I have insufficient funds/credit?

    You will not be able to use your contactless bank card for transit if you have insufficient credit/funds in your card/bank account. You will encounter the following messages on the fare devices (as shown in the pictures below).


    Fare gates at MRT stations



    Card readers on buses


    For NETS, debit or pre-paid card users, you will have to add additional funds into your bank account/card.

    For credit card users, you will have to ensure that there is sufficient credit limit.

    Please call your Issuing Bank if you wish to check the adequacy of funds/credit in your bank/card account. You may visit the General Ticketing Machines to check if your card is good for transit after the above conditions are fulfilled.

    You will encounter the following messages if your card is not good for transit (as shown in the pictures below).


    Cards with EZ-Link/NETS FlashPay functionality – Not good for Transit



    Cards without EZ-Link/NETS FlashPay functionality – Not good for Transit
  5. Can I tap my wallet or bag at the card reader?

    Please take out the card you intend to use from your bag or wallet so that you tap only one contactless card (e.g. Mastercard, NETS, Visa, EZ-Link, NETS FlashPay or Concession Card) when using the transit system. This is similar to retail purchases, where you would present one card for payment.

    If several contactless cards are detected, more than one card may be charged.

    Ensure that you always tap in and out using the same card. This prevents the system from considering the entry and exit as two separate transactions.
  6. Why do I see the message “Card Failed” on the fare gates at MRT stations and “Invalid Card” on the card readers on buses?

    You will see the following messages (as shown in the pictures below) when multiple contactless cards (e.g. Mastercard, NETS, Visa, EZ-Link, NETS FlashPay or Concession Cards) are detected at the fare gates or card readers, and you will not be able to enter/exit the station/bus. Please take out the card you intend to use from your wallet or bag so that you tap only one contactless card at the fare device to enter and exit, and always tap in and out with the same card.


    Fare gates at MRT stations



    Card readers on buses
Mobile Payment Usage
  1. How do I use my mobile payment for transit?

    Using mobile payment for transit usage is the same as your contactless bank card. You can use the below mobile payment modes%: %NETSPay is not accepted in public transit

    Simply add a Mastercard or Visa bank card to any of the mobile payment modes listed above and start using it for transit. To ensure smoother usage of mobile payments, please take note of the following:
    1. Tap in and out using the same mobile payment mode and mobile device, with the same card
      Using a mix of card, mobile wallet or different mobile device when tapping in and out may result in multiple charges, even if the same payment card is loaded on the mobile wallet and/or device.

      For example: A commuter who taps in with mobile wallet (linked to bank card A), must tap out using the same mobile wallet and mobile device (both linked to bank card A). Else, they will be treated as separate transactions and he may incur multiple charges.
    2. You will need to enable your mobile payment
      Like any retail transaction, you will need to enable your mobile payment before usage. For faster entry and exit, it is recommended that you enable your mobile payment before approaching the fare gates or card reader on buses.
    3. Your mobile payment mode may require data network in order for transactions to be completed
      Please contact your mobile payment provider for more information.
    4. Ensure that there is sufficient battery in your mobile device
      Mobile payment is only possible if your mobile device is turned on. Hence, you should ensure there is sufficient battery during your journey for mobile payment usage.
    5. Check if you are using EZ-Link Near Field Communication (NFC) SIM card in your mobile device
      Please check if you are using an EZ-Link NFC SIM card in your mobile device. Using mobile payment with EZ-Link NFC SIM card may result in transit devices detecting more than one payment mode, and you may be denied entry or exit. You may also incur multiple charges. If you are not sure if you have an EZ-Link NFC SIM card, please check with your telecommunications service provider.
  2. Is my phone model compatible for transit usage?

    Below is a list of phone models and operating system versions which have been tested:

    For Apple Pay:

    Device Model OS Version
    iPhone XS 12.0 (16A366)
    iPhone XS Max 12.1 (16B92)
    iPhone XR 12.1.4 (16D57)
    iPhone X 12.0 (16A5318d)
    iPhone 8 11.4 (15F79)
    iPhone 8 Plus 11.4 (15F79)
    iPhone 7 Plus 11.4.1 (15F77)
    iPhone 6 Plus 11.4.1 (15G77)
    Apple Watch Series 4 5.1.3 (16S535)
    Apple Watch Series 3 4.0 (15R607)
    Apple Watch Series 2 4.3.2 (15U70)
    Apple Watch Series 1 4.3.2 (15U70)


    For Fitbit Pay:

    Device Model OS Version
    Fitbit Charge 3 28.20001.44.36
    Fitbit Versa 32.32.4.19


    For Google Pay:

    Device Model OS Version
    Samsung Galaxy S6 Edge 7.0
    Samsung Galaxy S8 8.0.0
    Samsung Galaxy S8+ 8.0.0
    Samsung Galaxy Note8 8.0.0
    Google Pixel 2 XL 8.1.0
    Google Pixel 3 9.0
    Google Pixel 3XL 9.0
    HUAWEI MATE 20 9.0
    HUAWEI P30 9.0
    OnePlus 6T 9.0


    For Samsung Pay:

    Device Model OS Version
    Samsung Galaxy S7 7.0
    Samsung Galaxy S8 7.0
    Samsung Galaxy S9 8.0.0
    Samsung Galaxy S9+ 8.0.0
    Samsung Galaxy Note8 8.0.0
    Samsung Galaxy Note9 8.1.0
    Samsung Galaxy Watch 4.0.0.0
    Samsung Galaxy S10e 9.0
    Samsung Galaxy S10 9.0
    Samsung Galaxy S10+ 9.0
    Samsung Galaxy Watch Active 4.0.0.3
    Samsung Galaxy A7/A5 (2017) 8.0.0
    Samsung Galaxy A8 Star 8.0.0
    Samsung Galaxy A8/A8+ (2018) 9.0
    Samsung Galaxy A9/A7 (2018) 8.0.0
    Samsung Galaxy J7 Pro 7.0.0


    For Singtel Dash#:

    Device Model OS Version
    Samsung Galaxy A9 (2018) 8.0.0
    Samsung Galaxy S10 9.0
    #1. Tested on iOS v5.0.6 on Apple’s App Store and Android v5.0.2 on the Google Play Store
      2. For use in transit, Singtel Dash Visa Virtual Account has to be added to Apply wallet / Apple Watch
      3. For compatible NFC-enabled Android devices, Singtel Dash app can be used to pay for public transport fares directly
      4. Singtel Dash app installed on non-NFC enabled Android devices cannot be used in transit

    Some mobile device models or mobile payment may not be accepted at our fare readers. Only tested devices are recommended for use in transit, although they do not represent the exhaustive list of accepted mobile device models at fare readers. If your mobile payment is not accepted, please contact your mobile payment provider for further assistance.
  3. Can I add my NETS contactless ATM cards to my mobile wallet for fare payment?

    NETS contactless ATM cards are not supported by any mobile device for payments in transit currently. NETSPay is also not accepted in public transit.
Fares and Billing
  1. Can I use my contactless bank card to make payment for all train and public bus services?

    You can pay for both train and public bus fares (basic, premium and express bus services) with your contactless bank card, except for private buses.

    Please note that for premium bus services, your contactless bank card can be used to pay for fares only if they are operated by public transport operators (PTOs) and not private operators. All PTO-operated buses (basic, premium and express bus services) are installed with a standard card reader as shown below.

  2. Are there any charges to the fares when using my contactless bank card for transit?

    The fares charged using locally-issued contactless bank cards are the same as existing card fares. Please refer to www.ptc.gov.sg/regulation/bus-rail/fare-structure for more information on fares. However, an administrative fee will be levied if you are using a foreign-issued contactless bank card for transit payment.

    Please note that concessionary fares and travel passes are not available for usage with contactless bank cards. This is because concession cards are personalised smartcards that allow certain groups of cardholders to pay for basic bus services and trains at a subsidised rate.
  3. How would I be billed for transit payments using contactless bank card?

    The transactions will be processed, accumulated and charged to your contactless bank cards with the merchant descriptor name “BUS/MRT”.

    For Mastercard and NETS contactless bank cards, fare charges will be accumulated for up to 5 days or after a total of $15 is spent on transit fares, whichever is earlier.

    For Visa contactless bank cards, fare charges will be accumulated daily.

    The accumulated amount will be posted to your respective banks after 3 days. Postings will be reflected in your credit, debit or pre-paid card account based on the processing time of your Issuing Bank.

    To view the breakdown of the aggregated fares, please login to your SimplyGo account on the TransitLink SimplyGo Portal or TL SimplyGo mobile app.
  4. Will the fare amount be displayed on the fare reader when I tap to exit using my contactless bank card?

    When using your contactless bank card for transit payment, the fare reader will display “Bank Card Usage” when you tap to enter and exit. You will be able to view the details of each transaction in your SimplyGo account on the TransitLink SimplyGo Portal or TL SimplyGo mobile app. You can choose to turn on push notifications on your mobile devices to receive alerts on fare charges from the mobile app each time you tap out.
  5. Why am I unable to see the fare charged on the fare reader at the point of exit?

    Due to the system nature of SimplyGo, the fare charged cannot be displayed instantaneously on the fare reader at the point of exit.

    To be notified of the fare charge for each trip and to view the details of past transactions, please sign up for a SimplyGo account on the TransitLink SimplyGo Portal or TL SimplyGo mobile app.
  6. What should I do if there are any discrepancies in my transactions/billings for my SimplyGo account?

    If there are any discrepancies in your travel transactions or billings, you may submit claims for the travel transactions of the cards that are linked to your SimplyGo account via the “My Claims” page on the TransitLink SimplyGo Portal or TL SimplyGo mobile app.

    Under the Distance Fares system, trips made within the same journey will be consolidated before the fare is finalised. Hence, your fare will be indicated as ‘Estimated Fare’ (denoted by ) in your travel transaction history before it is finalised. Please file your claim only after the fare has been finalised (denoted by ). Do also note that claims can only be filed for transactions that are up to 60 days after the date of incident.

    For commuters who have not signed up for a SimplyGo account or linked their cards to their account, please do so on the TransitLink SimplyGo Portal or TL SimplyGo mobile app. Please note that you can only view up to the last 180 days of your transaction history.
  7. I have a posting of Incomplete Transaction/Rail Overstay Charge in my SimplyGo statement. Why is this so?

    For Rail
    A posting of Incomplete Rail Transaction will be reflected in your statement as “Missing Entry” / “Missing Exit”, if the point of entry or exit is not recorded in the SimplyGo system. A flat fare of $2 will be charged, regardless of the distance travelled.

    A posting of Rail Overstay Charge will be reflected in your statement as “*”, if you exceed the time limit allowed for exiting a station. In this case, you will be charged an additional fee of $2, on top of the actual fares incurred.

    For Buses
    Similar to train, a posting of incomplete transaction will be reflected in your statement as “Missing Entry” / “Missing Exit”, if the point of entry or exit on your bus journey is not recorded in the SimplyGo system.

    For missing entry, the ride will be charged from the first bus stop of bus route to the point of exit. For missing exit, the ride will be charged from the point of entry to the end of bus route.
  8. Why is there an earmarked amount on my card account bank statement?

    For Mastercard cardholders, a pre-authorisation fee will be initiated after a posting of payment is made to the card used at the point of boarding. The pre-authorised amount is reflected on the card account bank statement as the earmarked amount on your card and will be released based on the respective Issuing Banks’ policy.
  9. Will foreign issued contactless bankcards be accepted for use in public transport in Singapore? Are there extra charges to use foreign bank cards?

    Foreign-issued Mastercard or Visa contactless bank cards are accepted for payments on our public transport network. Cardholders may contact their card issuers for more information should their contactless bank card be rejected in transit.

    An administrative fee of S$0.50 will be applicable per posting. You may view your travel history and its related fares, including any admin fee charged to your bank card via the TransitLink SimplyGo Portal or TL SimplyGo mobile app. Additionally, foreign cardholders may be subject to other fees imposed by their Issuing Banks. Please check with your Issuing Bank for more information.
  10. Why is there an administrative fee charged for the use of foreign-issued contactless bank cards?

    An administrative fee of $0.50 per posting is charged to defray the additional cost for processing foreign bank cards. Alternatively, tourists can purchase stored-value travel cards (EZ-Link or NETS FlashPay cards) at $12 ($5 card cost, $7 travel value) to travel on Singapore’s public transport system. These travel cards can be topped up using cash, credit or debit cards at ticketing machines located in train stations, or by cash at convenience stores.

    Tourists can also buy existing tourist-specific products, such as the Singapore Tourist Pass, which do not require top-ups as they allow unlimited travel on public transport during the validity period.

    Tourists may wish to select the preferred way of paying their public transport fares depending on cost and convenience, as provided by the options above.
Commuter Assistance
  1. Who can assist me if I encounter problems using my contactless bank card at the point of boarding or alighting?

    Commuters who face entry/exit mismatch at the point of boarding or alighting can approach the officers at the Passenger Service Centre (PSC) or Bus Captains for assistance.

    For repeated declined transactions, please use an alternative contactless bank card or an EZ-Link/NETS FlashPay card for public transit usage.

    You may wish to contact your Issuing Bank if you encounter difficulties using a specific bank card.
  2. Where can I refer to for more information on SimplyGo and use of bank cards on SimplyGo?

    More information on the SimplyGo system is available on the TransitLink SimplyGo Portal and TL SimplyGo mobile app.

    For enquires on the bank cards and the various promotions, please contact your Issuing Banks.

    For other enquiries, please call the TransitLink Hotline at 1800-2255-663.